Under this type of insurance, the lives of two people who have a common relationship, such as spouses or business partners, are insured. The company undertakes to pay the insurance amount in one of the following cases:
- At the end of the insurance period if the insured is still alive with the prescribed interest.
- Immediately upon the death of one of the insured persons during the insurance period.

Under this type, the company undertakes to pay the insurance amount to the beneficiaries if the insured dies during the insurance period, but if he remains alive until the end of the period, the company returns to him all the premiums paid during the insurance period and on the basis of the annual payment without segmentation of the premium. This type of insurance is suitable for young people of young ages to obtain the same protection for their families that the mixed insurance provides them with at lower costs and premiums. For people of old age, the premiums are returned to them by staying alive until the end of the period, which is usually greater than the amount of insurance.

Under this type of insurance, the company undertakes to return all the premiums paid to the beneficiaries in the event of the death of the insured during the insurance period. In the event that the insurance period ends and the insured remains alive, the company pays the insurance amount to the insured.